Français
Enjoy the most cash back on groceries in Canada without paying an annual fee.9
Welcome offer:
Get up to 5% cash back in your first 3 months.#
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.2
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!3a,3b,3c,3d
No annual fee credit card.4
Save on groceries and more with complimentary Instacart+
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.
121 Terms apply.
Our BMO CashBack Mastercard* has received nation-wide recognition.
Winner of the 2026 Rates.ca Best Card for Newcomers to Canada
$0
21.99%
23.99%
Cash advances4
Annual fee4
Purchases4
(21.99% for Quebec residents)4
Your cash back rewards never expire as long as your account is open and in good standing.
No waiting! Redeem you cash back any time you want for as little as $1.
Set up an automatic deposit whenever you reach a certain amount, starting at $25.
Enjoy the flexibility to put your cash back where you want:
Email
Phone
Book Appointment
Find a Branch
Report Lost/Stolen Debit Card
Report Lost/Stolen Credit Card
Modern Slavery Act Statement
Privacy
Legal
Security
Careers
Investor Relations
Accessibility
Support
Site map
CDIC Member
